OWNERSHIP/ADVISORY HISTORY Royal Oak Financial Advisors, LLC (“We”) was founded in November 2017 by Robert Mulcahy, Paul Erickson and James Westwood. We are a Michigan limited liability Company and registered as an investment adviser in November 2017. We were subsequently registered with the Securities and Exchange Commission in October 2018. Additional information about Mr. Mulcahy, Mr. Erickson and Mr. Westwood can be found under Item 19 along with their attached brochure supplements. ADVISORY SERVICES OFFERED INVESTMENT ADVISORY SERVICES We offer fee-based investment advisory services that include managing a client’s portfolio, as well as the option of creating a written financial plan. When we engage a client, we start our relationship by evaluating his or her financial situation, goals and risk tolerance. Through a series of personal interviews and/or the use of questionnaires we will collect pertinent data, identify goals, objectives, financial problems, and potential solutions. With this information, we tailor the client’s financial plan and advice we give to the client. Our advice may cover any of the following topics: retirement planning; college education planning for children; estate planning; 401k review; social security planning; tax planning; or other needs as identified during our meetings with the client. When stated in the financial planning agreement, the client will receive a written financial plan. Our portfolio management services involve assisting with the ongoing management of a client’s investment accounts. We work with the client to determine their portfolio based upon the information we gathered during the financial planning process. Once we have this information, we place the client into one of our model portfolios. We regularly monitor the client’s portfolio and adjust it as determined by the stock market and world events. FINANCIAL PLANNING

AND RETIREMENT PLAN MONITORING We also offer clients financial planning and retirement plan monitoring services. With these services, we provide a written financial plan based on their financial situation, goals and risk tolerance. Through a series of personal interviews and/or the use of questionnaires we will collect pertinent data, identify goals, objectives, financial problems, potential solutions, and prepare specific recommendations. Our advice may be provided on financial and cash management, risk management, estate planning, tax issues, retirement planning, educational funding, goal setting, or other needs as identified by us and the client. As part of the service, we also monitor the client’s employer sponsored retirement plan (the “Plan”) on an ongoing basis. At the beginning of the relationship, we meet with the client to review the client’s financial situation and investment goals. We also review the Plan’s available investment options and make an asset allocation recommendation to the client. Royal Oak Financial Advisors, LLC Page 5 ADV Part 2A – 3/20/2024 RETIREMENT PLAN CONSULTING For retirement plan accounts, we provide any of the following ERISA non-fiduciary services: Education Services to Plan Committee; Participant Education Services; Plan Search Support; Review of Fiduciary Liability Insurance Coverage; Monitoring of Qualified Fiduciary; or Participant Advice. Please note that we do not provide ERISA Section 3(21) or 3(38) fiduciary services. TAILORED SERVICES The goals and objectives for each client are documented before any investing takes place. Clients may impose restrictions on investing in certain securities or types of securities. WRAP PROGRAM We do not sponsor a wrap program. CLIENT ASSETS MANAGED As of January 29, 2024, we manage $250,000,000 in client assets on a discretionary basis.